Home Insurance in State Center, Iowa
Homes in State Center carry a median value of $167,400 - 15% higher than the Marshall County median.
The typical home in State Center was built around 1957. About 52% of homes were built before 1960, about 1 point below Marshall County's 53%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in State Center is 86% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 79% of owner-occupied homes in State Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
State Center has an owner-occupancy rate of 82% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in State Center - 88% - are primarily heated with natural gas.
Marshall County had 28 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Marshall County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $167,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Marshall County | 28 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)